Obviously, I would have to change to the 200HR course
Who says? The school or just what you thought? I'm sure there's some schools out there that place these restrictions to make a few more $ but its not a CASA rule as far as I know.
I've logged time outside of my school towards PIC on a 150hr syllabus.
Sounds like a great deal, and even if you did have to log the extra 30 PIC and 20 dual on the 200hr, it
may still save you money.